You can use Sharesies Spend with a physical card, virtual card, or both.

A physical card is the plastic card you receive in the post. You can request one when you set up your Spend account by selecting ‘Send me a physical card in the post’.

If you skip the physical card at sign-up, you’ll be given a virtual card instead, and you can order a physical card later in the app (if you want to have a physical card).

Your card details will appear in the app when your card is ready. You can use them to shop online while you wait for the physical card to arrive.

You can add the card to Google Wallet™ to pay in stores with Google Pay™. You can also add one or more cards to Apple Wallet, and tap your phone or Apple Watch to pay anywhere Apple Pay or contactless payments are accepted.

You can have up to five cards linked to each of your Spend accounts:

Cards are linked to the Spend account they're created under, so payments will only be made using money from that account.

If you have fewer than five virtual cards on a Spend account, you can order a physical card straight away. If you already have five virtual cards on that account, you’ll need to first delete an unused card or convert one to a physical card.

To order a physical card:

To convert a virtual card to a physical one:

Once converted, the card number will stay the same, but the card image, expiry date, and security (CVC) code will update. Make sure to update any subscriptions or payments you have linked to the card with these new details.

Your first physical card is free. If you’d like a second physical card on the same account, or for an additional account, it costs $15.

Learn more about how Spend fees work.

Sharesies Spend Cards are delivered by regular mail and usually arrive within 10–14 days. While you wait for your physical card, you can still use your virtual card for online payments and add it to Google Wallet to pay with Google Pay, or Apple Wallet to pay with Apple Pay.

Cards are sent via standard post, so tracking numbers aren’t available. You can, however, check your card’s order status in the app—just go to Home > select the relevant Spend account, then tap on your card. You’ll see a temporary message showing your card’s status (‘Your card has been ordered’ or ‘Your card is on the way’) along with your delivery address.

If your delivery address isn’t correct, you can delete the card and order a new one to your preferred address. If your card hasn’t arrived within 6 weeks, follow these steps to replace it:

Once your card is on the way, the temporary message will update to show your expected delivery timeframe.

If your card hasn’t arrived after 6 weeks, we recommend that you reach out to Sharesies for assistance.

Once the physical card arrives, you’ll need to activate it in the app before using it in person at a store. Online purchases, Google Pay, and Apple Pay will work before you activate your physical card.

To activate your physical card:

To update your PIN:

A virtual card is a digital-only card that lives in the app. You can add virtual cards and use them for online purchases, Google Pay, or Apple Pay.

Each Spend account can currently have up to five cards linked to it—one physical and the rest virtual, or up to five virtual cards.

You can delete an unused card to create a new one.

To add a new card:

Your card details will appear in the app once your card is ready. Use them to shop online, or add the card to your device wallet to pay in stores with Google Pay or Apple Pay.

You can give each of your Sharesies Spend cards a label to make them easier to recognise in the app. By default, your card will be called ‘Sharesies Card’, but you can rename it anytime in the app. Your label only appears in the app, not on your physical card.

To edit a card label:

You can add one or more cards to Apple Wallet, and tap your phone or Apple Watch to pay anywhere Apple Pay or contactless payments are accepted.

To add a Sharesies Spend card to your Apple Wallet:

Learn more about using and managing your Sharesies Spend card with Apple Pay.

You can add one or more cards to Google Wallet, and tap your phone or smartwatch to pay anywhere Google Pay is accepted.

First, you’ll need to set up your Google Wallet. Download the Google Pay app from the Google Play Store or the App Store, then add your Google Account and follow the prompts to set up your Google Wallet.

To add a Sharesies Spend card to your Google Wallet:

Learn more about using and managing your Sharesies Spend card with Google Wallet.

To delete a card: